Insurance in Clearwater, KS: Local Risks, Economy & Coverage Guide
Licensed insurance agent, BNW Services LLC · 40 years in trucking & the trades
Here's the local picture for insurance in Clearwater, Kansas — the real economic, weather, and property factors that shape your coverage, from a licensed local agent who shops 69+ carriers.
The Clearwater economy & who needs coverage
Workforce of roughly 1,310; leading employment sectors are Manufacturing (~230), Health Care & Social Assistance (~221), and Educational Services (~171). Median household income about $83,879 (Data USA, 2024).
Weather & flood risk in Clearwater
High tornado and hail exposure — Clearwater sits in south-central Kansas tornado alley. The catastrophic April 26, 1991 Andover F5 tornado was first reported on the ground about 1.5 miles south of Clearwater before tracking northeast through Sedgwick County (17 deaths, 225 injuries, ~$300M damage), and the area took large hail during the April 30, 2024 severe-weather event.
Local facts that affect Clearwater insurance
- Clearwater's population was 2,653 at the 2020 U.S. Census, and it sits in Sedgwick County just southwest of Wichita. — Small south-central Kansas community in the Wichita metro orbit — personal and commercial lines base.
- The Ninnescah River runs to the west and south of Clearwater; the nearest USGS gauge is the Ninnescah River near Peck, KS (site 07145500). — River proximity creates localized flood exposure — flood is excluded by standard homeowners policies, so NFIP/flood coverage may be needed for properties near the channel.
- The April 26, 1991 Andover F5 tornado was first reported on the ground about 1.5 miles south of Clearwater before strengthening as it moved northeast through Sedgwick County, killing 17, injuring 225, and causing roughly $300 million in damage. — Documents real, severe tornado risk at Clearwater's doorstep — drives need for adequate wind/replacement-cost dwelling limits.
- Clearwater reported hail during the April 30, 2024 severe-weather event that brought tornadoes and large hail to south-central Kansas. — Recent hail event underscores frequent wind/hail claims — informs roof age questions and wind/hail deductible discussions for home and auto.
- The 2020 census counted 985 housing units in Clearwater with a 5.2% vacancy rate; 2016-2020 ACS median household income was $73,073 and median family income $84,167. — Mostly owner-occupied housing stock and solid household incomes support homeowners, dwelling, and personal-auto demand.
- Clearwater's workforce is about 1,310 people, led by Manufacturing (~230), Health Care & Social Assistance (~221), and Educational Services (~171); median household income is about $83,879. — Manufacturing and healthcare employment base points to commercial property, general liability, and workers' compensation needs alongside personal lines.
- Clearwater is served by the Clearwater USD 264 public school district. — School district is a major local institution and employer, anchoring the local economy and education-sector jobs.
What this means for your coverage
Clearwater sits in south-central Kansas tornado alley — the 1991 Andover F5 was first reported on the ground just 1.5 miles south of town and the area took large hail again in April 2024 — so wind/hail deductibles and adequate replacement-cost dwelling limits are the central conversation for home and auto buyers here. With the Ninnescah River running west and south of the city, properties near the channel should be checked against the FEMA flood map, since a standard homeowners policy excludes flood and separate NFIP coverage may be warranted. A manufacturing- and healthcare-driven local workforce of about 1,300 points to demand for commercial property, general liability, and workers' compensation coverage alongside personal lines.
Get covered in Clearwater
We're an independent agency — we compare 69+ carriers to fit Clearwater's risks to your budget. See Clearwater, KS insurance & get a quote → or call 573-594-5148.
Sources: en.wikipedia.org · worldpopulationreview.com · weather.gov · ksn.com · waterdata.usgs.gov · datausa.io · gis2.kda.ks.gov